You will have to pay a cost share. Or, you can accept their cash in lieu and apply it toward a complete replacement.The first way to sue American Home Shield is through consumer arbitration. If your contract has an arbitration clause it gives you the right take legal action. Forprofit organization and world's largest provider of arbitration, mediation and other alternative dispute resolution (ADR) services. Consumers may be able to file an American Home Shield class action lawsuit if they have experienced financial harm at the hands of the home warranty company. 23CV012097: BREWER vs AMERICAN HOME SHIELD CORPORATION, et al. Find out how to address problems with American Home Shield. Discover the steps to document issues, submit complaints, and seek resolution. Like most companies these days, American Home Shield has an arbitration clause in its contract.